The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$2,157
−HK$136/mo
▼ 0.25% · 3.875%
HK$2,224
−HK$69/mo
Today · 4.125%
HK$2,293
baseline
▲ 0.50% · 4.625%
HK$2,432
+HK$139/mo
Deposit HK$473K · loan HK$473K · min. income ≈ HK$4,586/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,400
−HK$130/mo
▼ 0.25% · 3.875%
HK$2,464
−HK$66/mo
Today · 4.125%
HK$2,530
baseline
▲ 0.50% · 4.625%
HK$2,663
+HK$133/mo
Deposit HK$473K · loan HK$473K · min. income ≈ HK$5,060/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,589
−HK$162/mo
▼ 0.25% · 3.875%
HK$2,669
−HK$82/mo
Today · 4.125%
HK$2,751
baseline
▲ 0.50% · 4.625%
HK$2,919
+HK$168/mo
Deposit HK$378K · loan HK$568K · min. income ≈ HK$5,502/mo (50% DSR)
Upfront cash ≈ HK$379K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,880
−HK$156/mo
▼ 0.25% · 3.875%
HK$2,957
−HK$79/mo
Today · 4.125%
HK$3,036
baseline
▲ 0.50% · 4.625%
HK$3,196
+HK$160/mo
Deposit HK$378K · loan HK$568K · min. income ≈ HK$6,072/mo (50% DSR)
Upfront cash ≈ HK$379K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,020
−HK$190/mo
▼ 0.25% · 3.875%
HK$3,114
−HK$96/mo
Today · 4.125%
HK$3,210
baseline
▲ 0.50% · 4.625%
HK$3,405
+HK$195/mo
Deposit HK$284K · loan HK$662K · min. income ≈ HK$6,420/mo (50% DSR)
Upfront cash ≈ HK$284K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,360
−HK$182/mo
▼ 0.25% · 3.875%
HK$3,450
−HK$92/mo
Today · 4.125%
HK$3,542
baseline
▲ 0.50% · 4.625%
HK$3,728
+HK$186/mo
Deposit HK$284K · loan HK$662K · min. income ≈ HK$7,084/mo (50% DSR)
Upfront cash ≈ HK$284K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,883
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,004
−HK$123/mo
Today · 4.125%
HK$4,127
baseline
▲ 0.50% · 4.625%
HK$4,378
+HK$251/mo
Deposit HK$95K · loan HK$852K · min. income ≈ HK$8,254/mo (50% DSR)
Upfront cash ≈ HK$95K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,320
−HK$234/mo
▼ 0.25% · 3.875%
HK$4,436
−HK$118/mo
Today · 4.125%
HK$4,554
baseline
▲ 0.50% · 4.625%
HK$4,794
+HK$240/mo
Deposit HK$95K · loan HK$852K · min. income ≈ HK$9,108/mo (50% DSR)
Upfront cash ≈ HK$95K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).